One of the primary purposes of Western Catholic Union is to provide affordable life insurance protection for members and their families. You do not have to be a member to purchase our products, but the purchase of protection will automatically make you a member of our Society at no extra cost to you. Western Catholic Union has three types of life insurance protection for their members: permanent life insurance, term insurance and single premium whole life insurance. Just as the cost of renting an apartment usually increases each year, so does the cost of purchasing term insurance that covers you for a specified period of time. The reason for this increase is simple. As you grow older the number of years you will remain living decreases, so the cost of term insurance increases. With permanent insurance, premiums begin higher than term but you save money in the long run, and this will make future planning easier with a predictable level cost.